Critical Illness Insurance UNUM EMPLOYEE BENEFITS

Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical illness. What critical

Are wellness screenings covered?

*Please refer to the policy for complete definitions of covered conditions.

Covered Condition Benefit

The covered condition benefit is payable once per covered condition per insured.

Unum will pay a covered condition benefit for a different covered condition if:

• the new covered condition is medically unrelated to the first covered condition; or

• the dates of diagnosis are separated by more than 180 days.

Reoccurring Condition Benefit

We will pay the reoccurring condition benefit for the diagnosis of the same covered condition if the covered condition benefit was previously paid and the new date of diagnosis is more than 180 days after the prior date of diagnosis.

The benefit amount for any reoccurring condition benefit is 100% of the percentage of coverage amount for that condition.

The following Covered Conditions are eligible for a reoccurring condition benefit:

Benign Brain Tumor Coma

Coronary Artery Disease (Major)

Coronary Artery Disease (Minor)

Heart Attack (Myocardial Infraction)

Major Organ Failure Requiring Transplant

End Stage Renal (Kidney) Failure

Stroke

Each insured is eligible to receive one Be Well Benefit per calendar year. Be Well Benefit For you, your spouse and your children: $50

If the employee’s Critical Illness

Coverage Amount is:

The Be Well Benefit Amount for you, your spouse and your children is:

Be Well Screenings include tests for the following: cholesterol and diabetes, cancer and cardiovascular function. They also include imaging studies, immunizations and annual examinations by a Physician.